TransUnion® vs Pebblescore
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TransUnion®
Access your free credit scores and reports, monitor your credit for changes, and receive personalized offers based on your credit profile. Understand your credit health and plan for your financial future with daily refreshes and alerts.
- Free credit scores
- Free credit reports
- Free credit monitoring
- Personalized credit offers
- Daily report and score refreshes
- Critical credit change alerts
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With the official TransUnion app, you get free credit scores, free credit reports, free credit monitoring & free access to offers from Bankrate. There’s no credit card required! Your credit score is calculated based on the VantageScore® 3.0 model. Lenders and insurers may use different scores to evaluate your eligibility. Simply create your free account (no credit card required) and start using our app (won’t hurt your score) to: Plan Your Credit Future Know what’s affecting your score, what to work on, and where your score could go. Stay on Top of Changes Know where your TransUnion report & score stand with refreshes available daily. Get an alert whenever there’s a critical credit report or score change. Save Time with Offers from Bankrate* Explore credit offers powered by Bankrate*, all in one place. Join us now to get your free credit scores, free credit reports, free credit monitoring & offers! Upgrade your membership to add premium features like quarterly 3-bureau reports and identity monitoring. ***AGE DISCLAIMER: You must be at least 18 years of age to access or download this app. If you are under 18 years of age, you are prohibited from accessing or downloading this app. Read more in our Terms of Service here: https://www.transunion.com/legal/credit-membership-terms.*** *Advertiser Disclosure: Offers are provided by TransUnion’s Offers Provider, Bankrate. Bankrate provides advertising revenue to TransUnion Interactive, Inc. when consumers interact with the offers, such as by clicking on an offer, when the application is approved or opening an account. This revenue impacts how and where offers appear (including, the order in which they appear), except where prohibited by law for offers related to mortgage, home equity and other home lending products. Offers do not represent all available financial services, companies or products. Availability may vary by state. Please review the offer details and verify all terms and conditions before applying. TransUnion does not endorse or recommend any lender or provider. ABOUT TRANSUNION TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business Personal information we collect -- https://www.transunion.com/privacy/consumer-interactive#2 Do not sell or share my personal information -- https://www.transunion.com/optout Limit the use of my sensitive personal information -- https://www.transunion.com/optout
Pebblescore
This app helps users improve their credit history and gain access to better loan opportunities. It provides personalized recommendations and tools to check credit scores and reports from major bureaus, empowering users to achieve financial goals.
- Credit score checking
- Comprehensive credit reports
- Personalized improvement recommendations
- Access to low-interest loans
- Financial goal achievement tools
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PebbleScore helps you repair your credit history and access low-interest loans. If you've been rejected for loans or unable to get loans at all, then PebbleScore is your ticket to financial freedom. With PebbleScore, you can easily check your comprehensive credit score and credit reports across all three credit bureaus, and get personalized recommendations to improve your credit. By taking action to improve your credit score, you'll be able to access good loans at low interest rates, and unlock a world of possibilities for your personal and business goals. Whether you're looking to start a business, buy a home or car, or pay for education, PebbleScore can help you achieve your goals. By providing you with the tools and resources you need to repair your credit, PebbleScore empowers you to take control of your financial future and live the life you've always dreamed of. Say goodbye to the frustration of being rejected for loans, and hello to a brighter, more secure future with PebbleScore. Download the app today and take the first step towards repairing your credit and accessing the loans you deserve.
Screenshots
Verdict
TransUnion® and Pebblescore both sit at 4.6 stars, but that hides the real split: 67% of Pebblescore's written reviews are positive against 7% of TransUnion®'s. Pebblescore also leads on monetization model (free vs freemium) and update cadence (weekly vs monthly). TransUnion®'s advantage is ratings volume (39K vs 130) and chart position (#91 vs unranked). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.6 for TransUnion® against 4.5 for Pebblescore. That said, the two scores are not equally well evidenced: TransUnion® has 39K ratings behind it against 130, so its average is the more settled of the two. Written reviews are what separate them: 7% of TransUnion®'s written reviews are positive against 67% of Pebblescore's.
TransUnion® ships an update monthly, Pebblescore weekly. The most recent releases landed on October 15, 2026 and October 13, 2026 respectively.
| Parameter | TransUnion® | Pebblescore |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (39K ratings) — better | 4.5 (130 ratings) |
| Positive reviews | 6.9% of reviews | 66.7% of reviews — better |
| Number of ratings | 39K — better | 130 |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Freemium | Free — better |
| Best chart rank | #91 — better | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 152 MB | 53 MB |
| Age rating | 17+ | 17+ |
| Developer | TransUnion | Pebblescore Data Services Limited |
Customer experience
TransUnion®
Pebblescore
Bugs and requests
TransUnion®
Reported bugs
3 issues- App crashes when trying to access certain features
- Inconsistent behavior between website and app
- Inability to delete duplicate entries
Requested features
3 requests- Ability to dispute errors directly in the app
- Detailed credit score breakdown
- Seamless integration across devices
Pebblescore
Not enough reviews yet to summarise bugs or requests.
In-app purchases
TransUnion®
No in-app purchases
Pebblescore
No in-app purchases









